At Ciolek Ltd., ​​we understand. We’re Toledo’s foreclosure fighters, and we’re here to help you keep your home.

Facing Foreclosure in Toledo? You’re Not Alone.

Unexpected hardships can strike anyone, no matter how diligent you’ve been with your mortgage payments. Divorce, medical bills, job loss – these challenges often feel overwhelming, but you don’t have to face them alone.

We Don’t Judge, We Listen and Guide.

We believe in second chances, not judgment. When you come to us, we’ll listen to your story and work collaboratively to find a solution that fits your unique situation. Over the years, we’ve helped countless Toledo families achieve debt relief and keep their homes. We can do the same for you.

Your Options: Stop Foreclosure in Its Tracks.

  1. Stop the Clock with Bankruptcy: Filing for bankruptcy can trigger an automatic stay, pausing all foreclosure proceedings and giving you valuable breathing room. This legal shield buys you time to explore options and make informed decisions.
  2. Modify Your Loan, Save Your Home: We’ll negotiate with your lender on your behalf to secure a loan modification that lowers your monthly payments and makes them more manageable.
  3. Catch up payments in a Chapter 13 with a feasible plan to help get you back on track and keep you in your home.

Time is of the essence. The longer you wait, the fewer options you’ll have. Contact Toledo, Ohio bankruptcy lawyer Scott Ciolek today for a free consultation. Remember, you’re not facing this alone. We’re in your corner. Let’s get you back on the path to financial security and peace of mind.